PRIVACY POLICY:

Canadian Association of Independent Life Brokerage Agencies ("CAILBA") operates Cailba.com and may operate other websites. It is CAILBA's policy to respect your privacy regarding any information we may collect while operating our websites.

WEBSITE VISITORS

Like most website operators, CAILBA collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. CAILBA's purpose in collecting non-personally identifying information is to better understand how CAILBA's visitors use its website. From time to time, CAILBA may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

CAILBA also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on Cailba.com blogs/sites. CAILBA only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

GATHERING OF PERSONALLY-IDENTIFYING INFORMATION

Certain visitors to CAILBA's websites choose to interact with CAILBA in ways that require CAILBA to gather personally-identifying information. The amount and type of information that CAILBA gathers depends on the nature of the interaction. For example, we ask visitors who sign up atCailba.comto provide a username and email address. Those who engage in transactions with CAILBA are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, CAILBA collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with CAILBA. CAILBA does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

AGGREGATED STATISTICS

CAILBA may collect statistics about the behavior of visitors to its websites. CAILBA may display this information publicly or provide it to others. However, CAILBA does not disclose personally-identifying information other than as described below.

PROTECTION OF CERTAIN PERSONALLY-IDENTIFYING INFORMATION

CAILBA discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on CAILBA's behalf or to provide services available at CAILBA's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using CAILBA's websites, you consent to the transfer of such information to them. CAILBA will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, CAILBA discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when CAILBA believes in good faith that disclosure is reasonably necessary to protect the property or rights of CAILBA, third parties or the public at large. If you are a registered user of an CAILBA website and have supplied your email address, CAILBA may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with CAILBA and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. CAILBA takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

COOKIES

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. CAILBA uses cookies to help CAILBA identify and track visitors, their usage of CAILBA website, and their website access preferences. CAILBA visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using CAILBA's websites, with the drawback that certain features of CAILBA's websites may not function properly without the aid of cookies.

BUSINESS TRANSFERS

If CAILBA, or substantially all of its assets, were acquired, or in the unlikely event that CAILBA goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of CAILBA may continue to use your personal information as set forth in this policy.

ADS

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by CAILBA and does not cover the use of cookies by any advertisers.

PRIVACY POLICY CHANGES

Although most changes are likely to be minor, CAILBA may change its Privacy Policy from time to time, and in CAILBA's sole discretion. CAILBA encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a Cailba.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.